CFBK · CF Bankshares Inc.

This filing furnishes the 2025 Annual Report and accompanying shareholder letter under Item 7.01, conveying strategic progress rather than new material events or financial results. Management emphasizes deliberate, multi-year investments—particularly the near-doubling of Regional Business Banking staff—to expand commercial banking scale while preserving lending discipline and expense control. The letter frames these efforts as foundational to improving growth rates in 2026 and beyond, not as immediate earnings catalysts. Expansion into residential mortgage lending and treasury management (especially with nonprofits) is positioned as complementary to core commercial banking, targeting higher non-interest fee income and core deposit generation. The cited +28% 1-Year Total Return through April 1, 2026—versus +12% for the NASDAQ Bank Index—serves as a performance benchmark but is not tied to specific financial metrics or guidance. Because no quantitative financial results, forward-looking guidance, capital returns, or structural changes are disclosed, the filing functions primarily as narrative reinforcement of ongoing strategy, warranting medium materiality for investors assessing execution consistency and strategic alignment.